✔ Whitby is one of the fastest-growing cities in all of Durham Region.
✔ Many people coming from East as well as West to find property, buy new homes, and still feel that they are not too far from the city and from the country.
Many of the insurance companies that we partner with are keen on insuring property and homes in the Whitby area. You will find a competitive premium and outstanding coverage that cover your property, which we all know is near and dear to any homeowner, condo owner, or tenant.
Call us today for your non-obligation quote on your property!
What type of coverage do you need on your home?
As a consumer, you want to make sure if anything should happen to your home, the insurance company rebuilds it and puts it back the exact same way it was before the claim.
✔ What about your contents, your clothes, your furniture, your stereo, your TV? How are those replaced?
✔ What about the contents that are in my car or a storage unit? Are they covered?
✔ What if I can't stay at my home because they have to repair the building?
These are just a few of the many questions that will be answered when you contact our office to get expert information about covering your home.
GUARANTEED REPLACEMENT COST COVERAGE
The home insurance covers the building itself, should you come home one day and find that your home has totally been destroyed. We will make sure that the home is completely rebuilt and replaced as it was before.
ADDITIONAL LIVING EXPENSES
Should you lose the use of your home due to a claim, and you have to stay in a hotel for a few months while they rebuild or repair your home, the insurance company will help with the additional expenses that it costs to stay in a hotel.
PERSONAL CONTENTS
All your clothes, furniture, stereo, TV, all the stuff that you've collected over the years would also be covered. This is also a special type of coverage called replacement cost, which means that the depreciation is waived, and you get to replace your items at the current cost today.
OFF-PREMISE COVERAGE
Not all your content will be in your home. It may also be in your car or in your luggage, should you travel or be on vacation. This coverage worldwide, and it's usually about 10% of your total content coverage.
PRIVATE STRUCTURES
Anything that you construct privately on your property, such as a pool, shed, outdoor deck, or fencing.
LIABILITY COVERAGE
For example, you have a fire that starts in your home, spreads, and causes damage to your neighbors home. Naturally, he's going to want someone to pay for that damage. The insurance company will cover you if you are found liable, usually up to one or two million dollars, depending on what liability limit you choose.
INSURED PERILS
Your home will be covered for fire, lightning, explosion, hail, wind, theft, vandalism, plus many more optional coverages.